Short waiting times at the doctor, the best treatment and drugs: What you get only by a private health insurance (PHI). And do not even have to be expensive. Anyone taking early pay, often less than the statutory health insurance.
Those who want to combine a high level of performance in medical care with low rates should inform themselves of the opportunities for private health insurance.
For self-employed private health insurance is usually the right choice. But the employees can take out private insurance. Who annually earn more than € 49 500, can move from the legal into the private health insurance.
The PHI is individually designed. Those who rarely go to the doctor will arrange a deductible. Also, the scope of hospitalization or treatment at the doctor and dentist can be arranged freely. Pay attention to limits on the reimbursement of fees to the doctors. Some private health insurance reimbursed only up to the standard rate (2.3 fold). Doctors make calculations and partly by 3.5 times from set.
For more information, please visit our trade portal for private health insurance.
The right insurance protection
Think before taking out private health insurance, which features are particularly important to you. Do not use features that you are less important. With the money saved you can add other services that are important to you, or increase - for example, the daily benefits.
Compare the private health insurance
Take your time. Only a comparison that is tailored to your needs, you can find a convenient and private for you individually tailored health insurance! We can help you in your search.
Benefits of Private
Who's health insurance law remains on the cost of treatment by senior physician, dental, vision aids, alternative treatments and medications sit in whole or in part. The catalog of the private health insurers such benefits are included, as a rule. Another important benefit: private insurance, can adjust the necessary services to their individual needs.
Contributions based on earnings
The contributions to private health insurance are not targeted according to income, but according to the personal risk of disease that depends on the age, occupation, gender or health status.
For this reason, young, well-paid single with the private sector are usually better than consult with the legal equivalent: Save posts and get better performance.
Who can be insured?
In private health insurance (PHI) can assure workers and employees, if their annual gross income, the so-called compulsory insurance limit the 3rd year in a row beyond. This is € 48 600 in 2009 - equivalent to a monthly income of 4050 €. Who has not exceeded 3 consecutive years, this limit remains in the statutory compulsory insurance.
Legally, private or supplementary?
In principle, health insurance, who a month as an employee or an employee earns less than € 4050 gross. If the income in 3 consecutive years that, you can decide if you complete a statutory health insurance or private health insurance.
Self-employed, professionals and civil servants are independent of the level of income exempt from compulsory health insurance and can choose freely between PHI and SHI. Special rules apply for freelance artists and journalists about the KSK in them as workers to the limit for compulsory insurance are insured in the GKV.
Who pays the private?
Generally speaking: the private health insurance fits into the rule for young, high income people with low risk of disease. As the contributions are dependent on age, gender and health, benefits, this group of low costs and better performance.
Services of private
The biggest advantage of private health insurance is their individuality. In contrast to the standard insurance coverage of health insurance, the scope of services tailored to their personal interests. We can therefore assure certain services, however, exclude others and thus reduce the contributions.
Some services, however, are essential: this should not abandon you, even if you can save. It is important for example for the self-sufficient daily benefits that helps prevent serious loss of income in case of illness.
Comprehensive Catalogue of
In general, the benefits of private health insurance are far more comprehensive than the statutory health insurance: Medical treatment, reimbursement for visual aids, medication, massage and physiotherapy, and dental and alternative medicine, the health insurances usually carries no or only small parts. These services are usually covered by private health insurance in general.
Legally, private or supplementary?
In principle, health insurance, who a month as an employee or an employee earns less than € 3975.00 gross. If the income of that, you can decide if you complete a statutory health insurance or private health insurance. Self-employed, professionals or officials, however, are usually privately insured.
Those who can not switch to private or will have to do without the additional power is not. With a private health insurance, you can improve your coverage and adjust to your needs.
Save with the private?
The cost of private health insurance can not be made to the case of statutory variation of the contribution depending on income. Depending on the health, age and sex vary the contributions. What's more: Private health insurance is structured in the private sector and compete with each other - to the benefit of the insured. Low rates of benefits usually only who your good time in the private health insurance.
Especially young earners should consider taking out private health insurance. However, it is important to choose the right insurance to not only analyze the current situation in life, but also dare to look into the future. You want to start a family soon? Then you should remain in the GKV, since family members are covered without any contribution without their own income. In private, you must make contributions for each child.
Costs of private
Premiums for private health insurance vary depending on the provider, the individual health risk of the insured and not least his insurance needs. Before signing a contract you should seek advice therefore essential detail.
Also require a provider of private health insurance sometimes a health check with your doctor to determine the health risk and the contributions corresponding set. Anyone suffering from a milder pre-existing conditions such as obesity or high blood pressure, may have to pay a risk premium. If severe disease found reject the insurer to a recording of the applicant as a rule.
Beware of false statements: You conceal pre-existing conditions, this can lead to the loss of your insurance cover.
Find the right product
You expect your health insurance benefits, which go beyond the statutory minimum? You are single, employed and earning good? Then you might have already made the decision for a private health insurance.
But be careful: now A large number of rates, companies and offers to you. The market of private health insurance is so complex that experts strongly advise against it, take out the insurance online without expert advice.
You can tell a good agent that he can give you a variety of offers and not specialized in certain societies. Even easier is to search with our switching system. On request, we will contact a competent and valued by our customers her insurance broker who will assist you in choosing the right insurance to the side.
{ 0 comments... Views All / Send Comment! }
Post a Comment